USDA Vs. FHA Pro and Con comparison in Calera, Shelby County, AL
In the year 2026, the USDA loan ceiling in Calera, located in the county of Shelby, AL, stands at $336,500. Meanwhile, the FHA limit for a single-family dwelling is set at $472,030.
Leverage the Lendersa® USDA loan calculator to compare the prevailing USDA against FHA rates. It helps you evaluate the necessary income, credit, and documentation to qualify. By using our sophisticated mortgage calculator, you can assess USDA, FHA, Conforming, and VA loans side by side, assisting in choosing the best program in suited for your financial needs.
Details on 2026 loan caps and downpayment obligations in Calera, county of Shelby, AL
Loan Type
Limit Amount
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conforming Conventional
$726,200
3%
Exploring USDA and FHA loan possibilities in Calera, AL
The aim of Lendersa® is to secure you the optimal USDA or FHA loan swiftly and effortlessly. Begin with any of the three options and find lenders matching the USDA loan schemes.
A USDA home loan is backed by the Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage. These loans are restricted to rural areas. Differing from FHA loans, which necessitate a minimum of 3.5% down, USDA loans do not require any down payment at all.
NFC provides unique lending programs & other services to facilitate neighborhood revitalization in Polk County & Cedar Rapids, Iowa through partnerships with residents, governments, community-based organizations, lending institutions & the business community. To date, NFC has provided more than $250, 000, 000 in loans and grants in its lending area
1833 Executive Drive, Suite 105, Oconomowoc, WI, 53066
LOANS 4 HOMES is committed to providing our clients with the highest quality financial services combined with low, competitive rates. At LOANS 4 HOMES, our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs
Bank Five Nine is a full-service, independent, community bank that has served southeast Wisconsin since 1859.We enjoy long, quiet walks on the beach, puppies and romantic dinners. Nah, we're too old for all that, but we're still pretty cool, and we do actually love puppies. As a community bank, we make it a priority to give back to the customers.
First Wisconsin Financial, Inc., I take a dynamic approach to home financing by shopping all of the major mortgage lenders and securing the most competitive rate for my clients and also This firm offers mortgages including purchases, refinancing, home equity loans and debt consolidation
Oxford Bank is the oldest commercial bank headquartered in Oxford, Michigan and has operated continuously under local ownership and management since 1884. We manage seven full-service bank branches, and four customer-focused remote offices located throughout Oakland, Genesee, and Lapeer counties.
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Security Credit Union signed its organizational charter on July 29, 1949. A group of Buick employees started the Credit Union with $40 in shares. The original intent of organizing the Credit Union was to "encourage and promote thrift and to provide loans for any prudent or productive purpose at a reasonable rate of interest.
3580 Ep True Pkwy West Des, West Des Moines, IA, 50265
At Midwest Heritage, a Hy-Vee company, is a full service financial center offering banking, investments and insurance.
We believe that your time is important. That’s why we offer extended business hours, seven days a week at our six in-store Hy-Vee locations. We also offer two branch locations in West Des Moines and Chariton, Iowa.
